First Central Bank in city_name, state_name - Detailed Financial Reports, Location

First Central Bank in Cambridge, Nebraska (NE)
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First Central Bank routing number info

First Central Bank - Overview

General
FDIC Certificate #: 10637
Status: Active
Federal Reserve ID: 134156
Bank Holding Company (Regulatory Top Holder): Central Bancshares, Inc. (RSSDID: 1050495, Location: Cambridge, NE)
Date Established: June 15, 1907
WWW: http://www.firstcentral.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 6820
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 623 Patterson, Cambridge, NE 69022
County: Furnas
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Grand Island
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $85.2 mil
Equity capital: $8.0 mil
Deposits held in domestic offices: $74.2 mil
Return on assets (ROA): 0.69% ($0.6 mil)
Quarterly return on assets: 0.97% ($0.8 mil)
Return on Equity (ROE): 7.10% ($0.6 mil)
Quarterly return on equity: 10.11% ($0.8 mil)
Net income: $0.6 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.91% ($775.8 mil)
Quarterly Pretax return on assets: 1.35% ($1,150.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
23Total employees (full-time equivalent)
$85,248Total assets
$3,825Cash and due from depository institutions
$1,193Interest-bearing balances
$13,496Securities
$9,495Federal funds sold & reverse repurchase agreements
$55,105Net loans & leases
$728Loan loss allowance
$0Trading account assets
$478Bank premises and fixed assets
$305Other real estate owned
$0Goodwill and other intangibles
$85,248Life insurance assets
$2,544All other assets
$77,226Total liabilities and capital
$74,188Total liabilities
$60,923Total deposits
$74,188Interest-bearing deposits
$85Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,664Trading liabilities
$0Other borrowed funds
$374Subordinated debt
$8,022All other liabilities
$8,022Total equity capital
$8,022Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$3,150Surplus
$4,722Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$949Income earned, not collected on loans
$0Earning assets
$995Long-term assets (5+ years)
$79,289Average Assets, year-to-date
$21,844Average Assets, quarterly
$81,749Volatile liabilities
$83,677Insider loans
$63,167FHLB advances
$82,586Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,950Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$20,689Restructured Loans and leases
$3,010Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,952Total interest income
$1,023Total interest expense
$2,929Net interest income
$380Provision for loan and lease losses
$435Total noninterest income
$0Fiduciary activities
$290Service charges on deposit accounts
$0Trading account gains & fees
$145Additional noninterest income
$2,243Total noninterest expense
$1,324Salaries and employee benefits
$236Premises and equipment expense
$683Additional noninterest expense
$741Pre-tax net operating income
-$1Securities gains (losses)
$180Applicable income taxes
$560Income before extraordinary items
$0Extraordinary gains - net
$560Net income attributable to bank
$0Net charge-offs
$560Cash dividends
$315Sale, conversion, retirement of capital stock, net
$220Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.20%Yield on earning assets
1.35%Cost of funding earning assets
3.86%Net interest margin
0.57%Noninterest income to earning assets
2.95%Noninterest expense to earning assets
0.69%Net operating income to assets
0.69%Return on assets (ROA)
0.91%Pretax return on assets
7.10%Return on equity (ROE)
4.31%Retained earnings to average equity (YTD only)
0.56%Net charge-offs to loans
120.63%Credit loss provision to net charge-offs
3.56%Efficiency ratio
66,677Assets per employee
3.71%Cash dividends to net income (YTD only)
Condition Ratios (%)
39.29%Loss allowance to loans
1.30%Loss allowance to noncurrent loans
76.71%Noncurrent assets plus other real estate owned to assets
1.47%Noncurrent loans to loans
1.70%Net loans and leases to deposits
74.28%Net loans and leases to core deposits
100.28%Equity capital to assets
9.41%Core capital (leverage) ratio
9.63%Tier 1 risk-based capital ratio
12.59%Total risk-based capital ratio
Memoranda
$14Average assets
$81,749Average earning assets
$7,887Average equity
$75,976Average loans

List of branches

3 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	6820	First Central Bank	623 Patterson, Cambridge, NE 69022	June 15, 1907	Full Service Brick and Mortar
1	6287	Edison Branch	Main Street, Edison, NE 68936	January 01, 1917	Full Service Brick and Mortar
2	5327	Arapahoe Branch	415 Nebraska Avenue, Arapahoe, NE 68922	December 05, 1905	Full Service Brick and Mortar

First Central Bank in Cambridge, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Central Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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First Central Bank in Cambridge, Nebraska (NE)Overview, Financial Summary, Detailed Financial Reports, Branches

First Central Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Central Bank in Cambridge, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches